Steven P. Franck

Loan officer, Real Estate Professional

La Crosse, WI

acy1no@r.postjobfree.com - 641-***-****

Authorized to work in the US for any employer

WORK EXPERIENCE

Caretaker

Onalaska, WI - December 2016 to Present

Taking care of my Grandfather who has Alzheimer's while seeking employment in the area. Relocating. Electrician

Northwood electric - Northwood, IA - August 2015 to December 2016 Responsibilities

Work with Master Electrician on residential, commercial, and agricultural electrical installation, and repair. BRANCH MANAGER AND MORTGAGE MANAGER

CENT Credit Union - Mason City, IA - December 2014 to August 2015 Responsibilities

Manage staff and mortgage department under current applicable guidelines and laws and or per industry standards

Accomplishments

- Created new income and lending platforms for the credit union, substantially increasing volume and income.

- received excellent state and internal audit report on department.

-Responsible for underwriting, compliance and funding of Mortgage Loans.

- Established new, profitable, liability sensitive internal guidelines and procedures significantly reducing department loss, increasing profitability.

- resigned due to continued complications from Cornea Transplant. Retail and Mortgage Loan Officer

American Bank of St. Paul - Albert Lea, MN - January 2012 to August 2013 Managed Loan portfolio for southern Minnesota region of influence, reducing overall loss, improving profit/ loss ratios

- Responsible for adherence to Dodd-Frank and all current industry regulations and compliance.

- Responsible for financial analysis of personal portfolios and meaningful and effective direction per individuals needs.

- Responsible for successful growth in Professional industry throughout community.

- Managed Government, Conventional, and in house loans from origination to closing.

- Managed problem loans, compiled loss reports, analysis for executive management and CEO.

- RESIGNED due to extended medical recovery from Cornea transplant. Mortgage Collector Loss mitigation

AmeriNational Community Services/American Bank of St. Paul - Albert Lea, MN - November 2011 to January 2012

Manage mortgage delinquency on Minnesota Housing Finance Agency and Fannie Mae portfolios

- Facilitate mortgage modifications and foreclosures per Fannie Mae applicable laws and regulations.

- Responsible for delinquency and loss mitigation resolution, design, and its administration with borrower.

- Promoted to Retail and Mortgage Loan Officer for core entity, American Bank of St. PAUL. Senior Mortgage Loan Officer

Flagstar Bank - Onalaska, WI - November 2007 to January 2010 Responsible for compliant, tangible education and implementation of industry guidelines and applicable laws.

- Educator and spokesperson to Real Estate Professionals, and consumers within presentational and personal settings.

- Responsible for due-diligence within the Appraisal, Title and Credit analysts aspects of the Lending process.

- Specializing in purchase and refinance products within the Conventional, Governmental and In-house program matrixes.

- Branch closure due to recessionary impacts on institution 1/2010 Mortgage Loan Officer

Marine Credit Union - La Crosse, WI - January 2007 to November 2007 Assisted Members with Mortgage loan needs in the conventional and in-house lending environments.

- Facilitated the Mortgage process from Origination to closing table for all parties.

- Responsible for 30-60 day delinquency collection.

- Created new book of business through Real Estate Network for Credit Union Investment consultant/Co-owner/manager

Real Estate Investment - La Crosse, WI - May 2001 to October 2007 Provided investment consultation for single family and multi-family real estate.

- Responsible for investment projects design and management from inception to completion.

- Grew balance sheet from $3,500.00 investment to 1.4 million in assets in six years.

- Recognized by the La Crosse Tribune for community revitalization efforts and preservations EDUCATION

Energy

Riverland Community College Albert lea - Albert Lea, MN August 2010 to December 2011

History/Economics

University of Minnesota - Mankato, MN

August 1998 to December 2000

Associate of Arts in Biblical studies and education Minnesota Bible College/Crossroads College Rochester - Rochester, MN August 1996 to May 1998

CERTIFICATIONS/LICENSES

Minnesota State Notary

Expires January 2017

NMLS #242417

IOWA STATE NOTARY

ADDITIONAL INFORMATION

Experienced a 3 year recovery, due to complications from a cornea transplant, consequently resulting in the inability to continue employment with American Bank and Cent Credit Union. As of 11/15, no further complications been noticed.

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